JP2022522606A - E-mail system that integrates currency protocols, how to send e-mail, how to receive e-mail - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an e-mail system in which information and value are transmitted on the same platform and a currency protocol capable of realizing synchronous transmission between platforms is fused. An e-mail system that integrates the currency protocol of the present invention includes a remittance plug-in, a mail client, a remittance mail management server, an e-mail management server, and a fund management server. The mail client is loaded with a remittance plugin and provides the user with an email interface with a remittance identifier. The remittance mail management server communicates with the mail client, the e-mail management server, and the fund management server, respectively. After the remittance mail management server, e-mail management server, and fund management server work together and the remittance mail management server receives the mail message sent from the mail client, whether or not the mail message has a remittance identifier. to decide. If YES, the remittance mail management server schedules the e-mail management server to send mail messages, and schedules the money management server to execute the remittance operation by the remittance identifier. If NO, the remittance mail management server schedules only the e-mail management server to send mail messages. [Selection diagram] FIG. 6

Description

The present invention relates to the technical field of e-mail, and particularly to an e-mail system that integrates a currency protocol, an e-mail transmission method, and an e-mail reception method.

With the spread of the Internet, e-mail has become a widely used communication tool, especially important in business communication, and its content is also legally effective as a kind of text file information. However, due to the lack of value transmission capability, conventional e-mail systems, which are used as information carriers, have no financial effect and their scope of application is severely limited. Bank or third-party payments can also transmit value, but their ability to transmit information is weak and their business model is also different from that of e-mail systems. Basically, they are two completely different forms.

On the other hand, currently, blockchain and digital currencies (such as Bitcoin) are being developed toward bank or third party payments, but they are not practical because they do not have similar transmission efficiency and legal protection. Due to lack, it cannot show its true value. Also, due to anonymity, digital currencies do not have the necessary legal support and oversight.

Although e-mail and digital currencies have similarities (for example, anonymity, transmission between platforms, low transmission cost, irrevocable, etc.), there are no inventions or applications that combine them at this time. Electronic money is widely used in fields such as third-party payments, but there is no invention or application for sending and receiving electronic money in synchronization with e-mail. Most third-party payment systems essentially belong to the banking model because they use the email address as the username rather than sending and receiving in sync with the email.

Therefore, until now, the transmission of information and the transmission of value are performed separately, which is a waste of time and cost. Also, since it is not synchronous transmission, it can lead to confusion, misunderstanding, business or social disputes.

The present application provides an e-mail system, a method of sending an e-mail, and a method of receiving an e-mail, which are fused with a currency protocol. By fusing e-mail, digital currency, and e-money, the problem of transmitting conventional information and value separately can be solved, and the financial function of the e-mail system can be improved.

According to the first aspect, in one embodiment, an e-mail system that fuses a currency protocol is provided. The e-mail system includes a remittance plug-in, a mail client, a remittance mail management server, an e-mail management server, and a fund management server. The mail client is loaded with the remittance plug-in and provides the user with an e-mail interface having a remittance identifier, the remittance identifier includes currency recipient information, an amount, and a currency type, and the currency type is a digital currency. And / or electronic money. The remittance mail management server communicates with the mail client, the e-mail management server, and the fund management server, respectively. The remittance mail management server, the e-mail management server, and the fund management server operate in cooperation with each other, and after the remittance mail management server receives the mail message transmitted from the mail client, the mail message sets the remittance identifier. Determine if you have it. If YES, the remittance mail management server schedules the e-mail management server to send the mail message, and schedules the money management server to execute the remittance operation based on the remittance identifier. If NO, the remittance mail management server schedules only the e-mail management server to send the mail message.

According to a second aspect, in one embodiment, an email transmission method of an e-mail system that fuses a currency protocol is provided. The e-mail system includes a remittance plug-in, a mail client, a remittance mail management server, an e-mail management server, and a fund management server.
The method of sending an email is
The process of determining whether or not the remittance plug-in is triggered, and
If NO, the mail client generates a normal mail and sends it to the remittance mail management server, and the remittance mail management server schedules the e-mail management server to send the normal mail.
If YES, the mail client executes the remittance plug-in and provides the user with an e-mail interface having a remittance identifier, the remittance identifier including currency recipient information, amount, and currency type, said currency type. Is a digital currency and / or electronic money
The process of obtaining the recipient information, amount, and currency type from the remittance identifier, generating a remittance email, and sending it to the remittance email management server.
The remittance mail management server, the e-mail management server, and the money management server operate in cooperation with each other to schedule the e-mail management server, send the mail message of the remittance mail, and schedule the money management server. It also has a step of executing a remittance operation of the remittance mail based on the remittance identifier.

According to a third aspect, in one embodiment, an email receiving method of an e-mail system that integrates a currency protocol is provided. The e-mail system includes a remittance plug-in, a mail client, a remittance mail management server, an e-mail management server, and a fund management server.
The mail receiving method is
The process of receiving e-mail by the e-mail management server and transmitting the e-mail information to the remittance mail management server,
The remittance mail management server has a process of determining whether or not the received e-mail has a remittance identifier, and
If NO, the email is treated as a regular email, the remittance identifier includes currency recipient information, possible transaction numbers, amounts, and currency types, and the currency types are digital currency and / or electronic money. can be,
If YES, the received e-mail is regarded as a remittance mail, and the information related to the remittance mail is transmitted to the fund management server.
The process in which the fund management server inquires about the remittance status and feeds back the inquiry result to the remittance mail management server.
The remittance mail management server includes a step of sending a remittance mail and related information to a recipient's mail client based on the feedback inquiry result.

The e-mail system of the above embodiment has the following effects.
1) Based on the e-mail system, it is possible to integrate the currency protocol with the conventional e-mail system and realize the synchronous transmission of information and value.
2) The sender / recipient of digital currency / electronic money is identified via the e-mail system, and higher security, reliability, and legal protection can be obtained.
3) The financial function of the e-mail system can be improved.
4) Synchronous transmission of information and value between platforms can be realized by utilizing the characteristics of e-mail and digital currency between systems.

It is a schematic diagram which shows the message of the conventional e-mail. It is a schematic diagram which shows the message of the e-mail which fused the currency protocol. It is a block diagram which shows the principle of the e-mail system of Example 1. FIG. It is a schematic diagram which shows the message of the e-mail including the remittance transaction number. It is a block diagram which shows the principle of the e-mail system of Example 2. It is a block diagram which shows the principle of the e-mail system of Example 3. FIG. It is a schematic diagram which shows the state which the e-mail system of Example 4 sends mail. It is a schematic diagram which shows the state of sending a remittance mail by automatically replying mail. It is a schematic diagram which shows the state which the e-mail system of Example 5 receives mail.

Hereinafter, the present invention will be described in detail while disclosing specific embodiments and drawings.

(Digital / Cryptocurrency)
It is a decentralized digital currency and is generally generated by the act of "mining". Examples thereof include Bitcoin and Litecoin, which are hereinafter referred to as "digital currencies".

(Electronic money)
Electronic traditional / fiat currencies, or tokens and related payment services, such as paypal and alipay and their virtualized electronic money.

(Ordinary email)
It's a normal email.

(Remittance email)
It is an e-mail having a remittance identifier, for example, "Pay-To" (that is, "Pay To"), and can be remitted at the same time as being transmitted.

Due to the similarities between email and digital currencies (eg anonymous, cross-platform transmission, low transmission costs, irrevocable, etc.), consider merging digital currency protocols with traditional email systems. For the sake of generality, in this application, by fusing the digital currency protocol and the e-commerce protocol with the e-mail system, the synchronous transmission of information and value by the blockchain and the digital currency / e-commerce protocol in the conventional e-commerce system. Can be realized.

(Example 1)
FIG. 1 is a schematic diagram showing a mail message of a conventional e-mail system. FIG. 2 is a schematic diagram showing a mail message of an e-mail system fusing the currency protocol of this embodiment. As can be seen from the contrast between FIGS. 1 and 2, FIG. 2 includes the characters Pay-To. , The characters are remittance characters newly added by fusing a currency protocol with an e-mail system to realize synchronous transmission of information and value. .. In FIGS. 1 and 2, the same character portion is a conventional e-mail format well known to those skilled in the art, and description thereof will be omitted here.

FIG. 3 shows an e-mail system that fuses the currency protocols of this embodiment. As shown in FIG. 3, it has a remittance plug-in (not shown), a mail client 1, a remittance mail management server 2, an e-mail management server 3, and a fund management server 4. Both the sender and receiver servers of mail and remittance corresponding to the e-mail system of this embodiment are connected to the network in which the system server is located, and are generally connected to an internal LAN (Local Area Network), a cloud network, or the like. Be connected.

The mail client 1 is loaded with the remittance plug-in. The money transfer plug-in may be a code of a program executed by the mail client 1 or a widget independent of the mail client 1. The mail client 1 and the widget are connected via an interface. When the mail client 1 executes the program, the code corresponding to the remittance plug-in is executed as it is, and the user is provided with an e-mail interface having a remittance identifier. The remittance identifier can be displayed at any position on the browsing page of the email interface. If the email only sends multimedia emails, you cannot add the remittance identifier to the body. Therefore, the remittance identifier is preferably located in the email header of the email interface. Then, as shown in FIG. 2, the remittance identifier can be added to the mail header regardless of the content of the mail transmission.

The remittance identifier may be any one of the remittance field (Pay-To), the remittance window, the view, the visualization identifier element, or a combination thereof. The remittance identifier is displayed on the email interface for user identification. When performing a remittance operation, the remittance identifier may be triggered.

For remittances via an email system, the remittance identifier includes selectable information such as currency recipient information, amount, currency type, and the like. The currency type is digital currency, electronic money, or a combination thereof.
The remittance identifier includes one or more of the following recipient information for each recipient.

Recipient information is at least the recipient's digital currency address, the name corresponding to the recipient's digital currency address, the account and service provider associated with the recipient's digital currency or e-commerce, or the recipient's digital currency or Includes the name that the account and service provider associated with e-commerce have in common. The recipient's digital currency address may be, for example, Bitcoin, Litecoin, or the like. The name corresponding to the recipient's digital currency address is stored in the email system's address book. Accounts associated with the recipient's digital currency or electronic money include e-mail addresses, mobile phone numbers, and the like. The name associated with the recipient's digital currency or e-commerce account and service provider in common is stored in the address book of the mail system.

It should be explained that one address book can only correspond to one digital currency address, or accounts and service providers associated with one digital currency / e-commerce. Alternatively, for example, if both the recipient and sender accounts are in the system, the sender's remittance can be received by the account associated with the recipient. If the recipient address is an account other than this system, it is necessary to specify the corresponding service provider.

In addition to providing the above information to the user, the remittance identifier can also provide the following selectable information. The selectable information does not have to be displayed on the email interface because it can be preset in the user account preferences. Specifically, the following selectable information can be mentioned.
1) If there is a recipient of the received digital currency, the transfer priority, transfer speed, transfer fee, etc. of each digital currency can be specified.
2) When acquiring the sender's digital currency private key via a third party or local file, it is necessary to provide the acquisition method, for example, uploading the local private key file or sharing the third party information.

Similarly, the email system of this embodiment always contains basic information about the user account. Basic information of a user account includes an email address (ie, a user name), a digital currency address and balance, an e-commerce address and balance, security settings, environment settings, and ID authentication information.

By logging in to the e-mail system of this embodiment with a user name, the balance of the digital currency of the account can be charged by the digital currency transfer method. The charge can be, for example, a Bitcoin transfer, or a legal and related authentication framework to charge the account e-commerce balance via a bank or other institution (eg, a bank transfer).

If you want to send a regular email, you don't have to manipulate the remittance identifier. When sending a remittance mail, operate in the same way as an ordinary e-mail, provide information such as recipients, and then present the recipient addresses, amounts, and units of all recipients in the user remittance identifier. If the recipient address is a digital currency address, different recipients may be given different digital currencies. If the recipient address is an account, you can specify different service provider accounts for different recipients, assuming that you can receive the sender's remittances.

After entering the remittance identifier, the mail client 1 edits the mail and reads the mail header. The system then adds a payment header to the header part of the regular email. The formats of Pay-To characters include the following.

Pay-To: [Recipient name] <Recipient address><Amount><Unit> [Service provider identifier];
For example, / Pay-To: <1A1zP1eP5QGefi2DMPTfTL5SLmv7DivfNa> 50 BTC /;
/ Pay-To: "Payee1"<1A1zP1eP5QGefi2DMPTfTL5SLmv7DivfNa> 50 BTC /;
/ Pay-To: <abcd1234@abcd. com> 100 CNY payserv1 /;
/ Pay-To: "Payee2"<abcd1234@abcd.com> 100 CNY payserv1 /.
Among them, "//" is used to distinguish the complete "Pay-To" header, but the character itself does not belong to the "Pay-To" header.

The remittance mail management server 2 of this embodiment communicates with the mail client 1, the e-mail management server 3, and the fund management server 4, respectively. The remittance mail management server 2, the e-mail management server 3, and the fund management server 4 operate in cooperation with each other, and after the remittance mail management server 2 receives the mail message sent from the mail client 1, the mail message sets the remittance identifier. Determine if you have it. If YES, the remittance mail management server 2 schedules the e-mail management server 3 to send a mail message, and schedules the money management server 4 to execute the remittance operation based on the remittance identifier. If NO, the remittance mail management server 2 schedules only the e-mail management server 3 to send a mail message.

In this embodiment, the remittance mail management server 2, the e-mail management server 3, and the fund management server 4 operate in cooperation with each other to realize synchronous transmission of information and value, which is financial for a conventional e-mail system. The function can be improved.

In order to improve the reliability of e-mail remittance, in this embodiment, the remittance mail management server 2 schedules the e-mail management server 3 to send an e-mail message before scheduling the fund management server 4, and electronically. After receiving the instruction of the successful transmission of the mail message fed back from the mail management server 3, the fund management server 4 is scheduled. Specifically, the remittance mail management server 2 first sends the mail to all the recipients, and when at least one recipient succeeds in receiving the mail, the money management server 4 is scheduled to perform the remittance operation. To execute. Otherwise, cancel the remittance.

In this embodiment, the e-mail system further includes a database server 5 to realize internal remittance of the system. The database server 5 is used to store financial information of senders and recipients. Funding information includes at least user accounts, transaction information, and the amount of funds. The database server 5 communicates with the remittance mail management server 2 and the fund management server 4, respectively. The fund management server 4 transmits a remittance request to the database server 5 according to the scheduling instruction of the remittance mail management server 2. The database server 5 updates the fund information of the sender and the recipient regarding the remittance according to the remittance request, and realizes the internal remittance.

Correspondingly, the remittance mail management server 2 sends an e-mail having a remittance status and a remittance result to the recipient and the sender using the e-mail address based on the updated fund information in the database server 5. That is, during the remittance period, dynamic information can be provided to the recipient and the sender in the form of an email. If both systems support, the dynamic information may be an interactive progress bar.

In this embodiment, the e-mail system further has an authentication server 6 in order to ensure the safety and reliability of transmission. The authentication server 6 communicates with the database server 5 and the remittance mail management server 2 to authenticate the user's ID. The authentication server 6 authenticates the sender's ID and provides the details of the remittance. Then, the sender can confirm the authenticated information again. The remittance mail management server 2 operates in cooperation with the e-mail management server 3 and the fund management server 4 after obtaining the user authentication status from the authentication server 6 and confirming its validity.

Since the e-mail system of this embodiment performs the internal remittance of the system, the remittance transaction number can be obtained before the actual remittance. Therefore, in this embodiment, when the mail client 1 edits the mail and reads the mail header, the system adds the payment header to the header part of the normal mail. The payment header contains the remittance transaction number. That is, the email message further includes the remittance transaction number. Thus, all parties can track the progress of the remittance based on the remittance transaction number. FIG. 4 is a schematic diagram showing the content information of the e-mail including the remittance transaction number.
For example, the formats of Pay-To characters include the following.

Pay-To: [Recipient name] <Recipient address><Amount><Unit><Whether or not you have a transaction number> [Transaction number] [Service provider identifier];
For example / Pay-To: <1A1zP1eP5QGefi2DMPTfTL5SLmv7DivfNa> 50 BTC true 4a5e1e4baab89f3a32518a88c31bc87f618f76673e2cc77ab2127b7b.
/ Pay-To: "Payee1"<1A1zP1eP5QGefi2DMPTfTL5SLmv7DivfNa> 50 BTC true 4a5e1e4baab89f3a32518a88c31bc87f618f766673e2cc77b21
/ Pay-To: <abcd1234@abcd. com> 100 CNY false payserv1 /;
/ Pay-To: "Payee2"<abcd1234@abcd.com> 100 CNY false payserv1 /.

The e-mail system of this embodiment can realize synchronous transmission of digital currency / electronic money and e-mail (that is, synchronous transmission of information and value) by adding a remittance identifier. In addition, the sender / recipient of digital currency / electronic money can obtain identity verification via the e-mail system to obtain higher security, reliability and legal protection. The financial function of the e-mail system can be improved. For example, invoices can be sent and received, automatic deductions, automatic payments, ID authentication, address authentication, and the like can be performed by e-mail. This can significantly improve reliability and efficiency in business communication and daily applications, as well as reduce related costs. By fusing the electronic commerce protocol, the email system of this embodiment realizes some of the above-mentioned financial functions by electronic money, and exchangeability between digital currency and electronic money in a legal framework. Can be improved.

It should be explained that in order to prevent theft and tampering during mail transmission and remittance, the e-mail system of this embodiment further provides the reliability and ID / source of communication and remittance by a specific security and authentication mechanism. Ensuring the credibility of. For example, in order to prevent falsification and theft of e-mail, an e-mail encryption method such as PGP or an encryption method such as a digital signature can be used in transmission. Ensuring the security of remittances and the authenticity of sources by using encryption and digital certification.

(Example 2)
Based on Example 1, the present embodiment provides an e-mail system that fuses another currency protocol. The difference from the first embodiment is that the mail recipient of the e-mail system of the present embodiment is outside the system, and the recipient's digital currency / e-money account is inside the system. Therefore, it is necessary that the mail (that is, information transmission) of this embodiment is performed between the systems and the remittance (that is, value transmission) is performed within the system.

FIG. 5 is a schematic diagram showing the e-mail system of this embodiment, in which the e-mail system structure of the receiver is similar to the e-mail system structure of the sender. In this embodiment, the sender's e-mail system structure will be described in detail as an example. The e-mail system includes a remittance plug-in (not shown), a mail client 1, a remittance mail management server 2, an e-mail management server 3, a fund management server 4, a database server 5, an authentication server 6, and an e-mail interactive server 7. It also has a third-party digital currency / electronic money interactive server 8. Since the remittance plug-in, the mail client 1, the remittance mail management server 2, the e-mail management server 3, the fund management server 4, the database server 5, and the authentication server 6 are the same as those in the first embodiment, the description thereof will be omitted. The e-mail interactive server 7 is an interface of the internal and external networks of the e-mail system, and can realize mail transmission between different platforms. The third-party digital currency / e-money interactive server 8 is also an interface for internal and external networks of e-mail systems and can enable remittances and inquiries between different platforms.

The e-mail interactive server 7 communicates with the e-mail management server 3, converts internal invoices from the e-mail management server 3 and external e-mail messages from the network based on related protocols, and executes information transmission / reception operations. .. For example, an e-mail interactive server 7 is a server that executes an e-mail service program (for example, Postfix), and sends e-mail to the outside via a public e-mail network. The third-party digital currency / electronic money interactive server 8 communicates with the money management server 4, converts internal billing from the money management server 4 and external billing from the network based on the related protocol, and performs inquiry and remittance operations. Run. For example, a third-party digital currency / e-commerce interactive server 8 is a server that supports a local or third-party interface (eg, node.js or nginx, etc.). In this embodiment, the third-party digital currency / electronic money interactive server 8 executes only the inquiry operation.

When the sender uses the e-mail system of the present embodiment, the sender operates the e-mail system via a mail client 1 such as a PC or a web page. The mail client 1 sends the sender's related request to the remittance mail management server 2. The remittance mail management server 2 operates in cooperation with the e-mail management server 3 and the fund management server 4 after obtaining the user authentication status from the user authentication server 6 and confirming its validity, and sends a normal mail or a remittance mail. It sends to the recipient via the e-mail network and makes an internal remittance via the fund management server 4. Specifically, the interactive e-mail server 7 converts the internal billing from the e-mail management server 3 into an external e-mail message based on the related protocol, and executes information transmission. The fund management server 4 transmits a remittance request to the database server 5 according to the scheduling instruction of the remittance mail management server 2. The database server 5 updates the fund information of the sender and the recipient regarding the remittance according to the remittance request, and realizes the internal remittance. At the same time, the remittance mail management server 2, the e-mail management server 3, the fund management server 4, and the authentication server 6 are all connected to the database server 5 to search and update data.

When the recipient receives the remittance mail using the e-mail system of the present embodiment, the e-mail management server 3 obtains the remittance mail from the e-mail network via the interactive e-mail server 7, and then the remittance mail. E-mail information is transmitted to the remittance e-mail management server 2. After the remittance mail management server identifies the remittance information, the related information is transmitted to the fund management server 4. The fund management server 4 inquires the sender of the remittance status via the third-party digital currency / electronic money interactive server 8, and feeds back the inquiry result to the remittance mail management server 2. The remittance mail management server 2 obtains an authentication status from the user authentication server 6 and confirms its validity, and then transmits the remittance mail and related information to the recipient's mail client 1. The recipient obtains mail and remittance information via a mail client 1 such as a PC or a web page. At the same time, the remittance mail management server 2, the e-mail management server 3, the fund management server 4, and the authentication server 6 are all connected to the database server 5 to search and update data.

As in the case of the first embodiment, since the e-mail system of the present embodiment performs the internal remittance of the system, the remittance transaction number can be obtained before the actual remittance. Thus, all parties can track the progress of the remittance.

The e-mail system of this embodiment can realize synchronous transmission of digital currency / electronic money and e-mail between platforms (that is, synchronous transmission of information and value between platforms) by adding a remittance identifier. In addition, the sender / recipient of digital currency / electronic money can obtain identity verification via the e-mail system to obtain higher security, reliability and legal protection. The financial function of the e-mail system can be improved. For example, invoices can be sent and received, automatic deductions, automatic payments, ID authentication, address authentication, and the like can be performed by e-mail. This can significantly improve reliability and efficiency in business communication and daily applications, as well as reduce related costs. By fusing the electronic commerce protocol, the email system of this embodiment realizes some of the above-mentioned financial functions by electronic money, and exchangeability between digital currency and electronic money in a legal framework. Can be improved.

(Example 3)
Based on Example 1 and Example 2, this example provides an e-mail system that fuses another currency protocol. The difference from the first embodiment and the second embodiment is that the e-mail system of the present embodiment can realize the transmission of information and value between the sender and the receiver. FIG. 6 is a schematic diagram showing the e-mail system of this embodiment, in which the e-mail system structure of the receiver is similar to the e-mail system structure of the sender. In this embodiment, the sender's e-mail system structure will be described in detail as an example. The e-mail system includes a remittance plug-in (not shown), a mail client 1, a remittance mail management server 2, an e-mail management server 3, a fund management server 4, a database server 5, an authentication server 6, and an e-mail interactive server 7. It has a third-party digital currency / electronic money interactive server 8 and a digital currency interactive server 9. Remittance plug-in, mail client 1, remittance mail management server 2, e-mail management server 3, money management server 4, database server 5, authentication server 6, e-mail interactive server 7, and third-party digital currency / electronic money Since the interactive server 8 is the same as that of the second embodiment, the description thereof will be omitted. The digital currency interactive server 9 is an interface for internal and external networks of e-mail systems and can enable remittances and inquiries between different platforms.

The interactive server 9 of the digital currency communicates with the money management server 4, converts internal billing from the money management server 4 and external billing from the network based on the related protocol, and executes an inquiry and a remittance operation. For example, the digital currency interactive server 9 is a server that executes a digital currency service program (for example, Bitcoin Core daemon).

When the sender uses the e-mail system of the present embodiment, the sender operates the e-mail system via a mail client 1 such as a PC or a web page. The mail client 1 sends the sender's related request to the remittance mail management server 2. The remittance mail management server 2 operates in cooperation with the e-mail management server 3 and the fund management server 4 after obtaining the user authentication status from the user authentication server 6 and confirming its validity, and sends a normal mail or a remittance mail. Send to recipients over an email network. Specifically, the interactive e-mail server 7 converts the internal billing from the e-mail management server 3 into an external e-mail message based on the related protocol, and executes information transmission. The third-party digital currency / electronic money interactive server 8 and / or the digital currency interactive server 9 converts the internal billing from the money management server 4 into an external billing based on the related protocol and executes the remittance operation. At the same time, the remittance mail management server 2, the e-mail management server 3, the fund management server 4, and the authentication server 6 are all connected to the database server 5 to search and update data.

When the recipient receives the remittance mail using the e-mail system of the present embodiment, the e-mail management server 3 obtains the remittance mail from the e-mail network via the interactive e-mail server 7, and then the remittance mail. E-mail information is transmitted to the remittance e-mail management server 2. After the remittance mail management server 2 identifies the remittance information, the related information is transmitted to the fund management server 4. The fund management server 4 inquires about the remittance status via the third-party digital currency / electronic money interactive server 8 and / or the digital currency interactive server 9, and feeds back the inquiry result to the remittance mail management server 2. The remittance mail management server 2 obtains an authentication status from the user authentication server 6 and confirms its validity, and then transmits the remittance mail and related information to the recipient's mail client 1. The recipient obtains mail and remittance information via a mail client 1 such as a PC or a web page. At the same time, the remittance mail management server 2, the e-mail management server 3, the fund management server 4, and the authentication server 6 are all connected to the database server 5 to search and update data.

In the transmission of the above information and value, when performing a remittance operation via a third-party digital currency / electronic money interactive server 8, usually, in order to obtain the remittance transaction number of the third-party payment after the actual remittance. The third-party digital currency / electronic money interactive server 8 converts the internal billing from the money management server 4 into an external billing based on the related protocol, executes the remittance operation, and then transfers the remittance result to the money management server 4. Give feedback to. The remittance result includes the remittance transaction number. The fund management server 4 feeds back the remittance transaction number to the remittance mail management server 2. The remittance mail management server 2 schedules the e-mail management server 3 to send the auxiliary mail to the receiver and the sender, and displays the auxiliary mail to the sender via the mail client 1. The auxiliary email contains the remittance transaction number. In doing so, all parties can track the progress of the remittance based on the remittance transaction number.

Similarly, since the remittance operation is performed via the interactive server 9 of the digital currency, the remittance transaction number can be obtained before the actual remittance. Therefore, in this embodiment, when the sender's mail client 1 edits the mail and reads the mail header, the system adds a payment header to the header part of the normal mail. The payment header contains the remittance transaction number. That is, the email message includes the remittance transaction number. Thus, all parties can track the progress of the remittance based on the remittance transaction number. FIG. 4 is a schematic diagram showing the content information of the e-mail including the remittance transaction number, which is the same as that of the first embodiment, and thus the description thereof will be omitted.

This embodiment is also applicable when the recipient and the sender are in the same system and the remittance receipt information includes a digital currency address. When a user makes a remittance to a certain user digital currency address in this system, if the internal remittance is performed via the fund management server 4, the digital currency protocol and the transaction number of the internal remittance are likely to be inconsistent. Therefore, when the remittance between the systems of this embodiment is used, the actual digital currency transaction number is obtained and the above problem is avoided.

The e-mail system of this embodiment can realize synchronous transmission of digital currency / electronic money and e-mail between platforms (that is, synchronous transmission of information and value between platforms) by adding a remittance identifier. In addition, the sender / recipient of digital currency / electronic money can obtain identity verification via the e-mail system to obtain higher security, reliability and legal protection. The financial function of the e-mail system can be improved. For example, invoices can be sent and received, automatic deductions, automatic payments, ID authentication, address authentication, and the like can be performed by e-mail. This can significantly improve reliability and efficiency in business communication and daily applications, as well as reduce related costs. By fusing the e-commerce protocol, the e-mail system of this embodiment realizes some of the above-mentioned financial functions by e-commerce, and exchangeability between digital currency and e-money in a legal framework. Can be improved.

(Example 4)
Based on Example 1, Example 2, and Example 3, the present embodiment provides a method of transmitting an e-mail of an e-mail system that integrates a currency protocol. The e-mail system includes a remittance plug-in, a mail client, a remittance mail management server, an e-mail management server, and a fund management server. Since the e-mail system is the same as that of the first embodiment, the description thereof will be omitted. The mail transmission method realizes synchronous transmission of information and value inside the system by using the e-mail system of the first embodiment. The mail transmission method has the following steps, and the flowchart thereof is shown in FIG.

S101: A step of determining whether or not the remittance plug-in is triggered.
If NO, the mail client generates a normal mail and sends it to the remittance mail management server, and the remittance mail management server schedules the e-mail management server to send the normal mail.
If YES, the mail client runs the remittance plugin and provides the user with an email interface with a remittance identifier. The remittance identifier includes currency recipient information, amount, and currency type. The currency type is digital currency and / or electronic money.

Preferably, the remittance identifier is located in the email header of the email interface. The remittance identifier is any one or a combination of a remittance field, a remittance window, a view, and a visualization identifier element.
Recipient information is at least
Recipient's digital currency address,
The name corresponding to the recipient's digital currency address,
Accounts and service providers associated with the recipient's digital currency or e-commerce,
Names commonly associated with accounts and service providers associated with the recipient's digital currency or e-commerce,
Includes any one of.

S103: A process of obtaining recipient information, an amount, and a currency type from a remittance identifier, generating a remittance mail, and sending it to a remittance mail management server.

S104: The remittance mail management server, the e-mail management server, and the fund management server operate in cooperation with each other, the e-mail management server is scheduled to send the e-mail message of the remittance mail, and the fund management server is scheduled to send the remittance identifier. The process of performing a remittance operation for a remittance email based on.

In addition, in order to make an automatic payment when the e-mail automatically replies, the present embodiment further includes a step of automatically replying to the e-mail. If the auto-reply email contains identifiable remittance request information, the step of auto-replying the email further comprises the step of remittance by the reply email. The flowchart is shown in FIG. 8, and specifically, it has the following steps.

S201: When the automatic reply mail contains identifiable remittance request information, it is presented to the user whether or not to remit according to the remittance request information.

S202: If YES, a reply email is generated, the email interface of the reply email automatically reads the remittance identifier, and the recipient information, amount, and currency type of the remittance request information are automatically entered in the remittance identifier. Generates a remittance mail that can be automatically replied and sends it to the remittance mail management server.

S203: The remittance mail management server schedules an e-mail management server to send an automatic reply remittance mail message, and schedules a fund management server to perform an automatic reply remittance mail remittance operation based on the remittance identifier. To execute.

The above content performs synchronous transmission of information and value on the same platform. It should be noted that the e-mail system further has an external network interface in order to realize synchronous transmission of information and value between platforms. The external network interface includes an interactive server for e-mail, an interactive server for digital currency, and an interactive server for third-party digital currency / electronic money. When the transmitted e-mail is an external e-mail based on the above e-mail transmission step, the present embodiment further includes a step of transmitting a remittance e-mail between the systems. Specifically, it has the following steps.

S301: The internal billing from the e-mail management server is converted into an external e-mail message based on the related protocol via the interactive e-mail server, and the information transmission is executed.

S302: Performs an internal remittance operation via the fund management server. Alternatively, the digital currency interactive server and / or the third-party digital currency / electronic money interactive server converts the internal billing from the money management server into an external billing based on the related protocol and executes the remittance operation.

In order to ensure the safety and reliability of the transmission of information and value, the remittance mail management server schedules the e-mail management server and sends an e-mail message before scheduling the money management server. Schedule the fund management server after receiving the e-mail message transmission success command fed back from the management server.

It also has a step of providing the remittance transaction number so that all parties can track the progress of the remittance. Depending on the type of currency, internal or external remittance, the remittance transaction number will be provided in the following two ways.

As the first method, when the remittance transaction number is obtained after the actual remittance, the remittance mail is sent and the remittance is actually sent, and then the auxiliary mail is sent to the sender and the receiver. Since the auxiliary email contains the remittance transaction number, all parties can track the progress of the remittance based on the remittance transaction number. Normally, a third-party digital currency / e-commerce interactive server converts internal invoices from the money management server into external invoices based on the relevant protocol in order to obtain the remittance transaction number after the third party payment actually transfers. After executing the remittance operation, it further has a step of sending an auxiliary mail to the recipient and the sender.
Feedback the remittance result to the fund management server.
The remittance result includes the remittance transaction number.
The fund management server feeds back the remittance transaction number to the remittance mail management server.
The remittance mail management server schedules an e-mail management server to send auxiliary mails to recipients and senders, and displays auxiliary mails to senders via a mail client. The auxiliary email contains the remittance transaction number.

The second method is as follows when obtaining a remittance transaction number before the actual remittance, such as digital currency such as Bitcoin or local remittance. If the remittance identifier is an internal remittance, or if the interactive server of the digital currency converts the internal invoice from the money management server into an external invoice based on the relevant protocol and performs the remittance operation, the process of sending the remittance email is It also has a step of reading the remittance transaction number. Then, the mail message of the remittance mail further includes the remittance transaction number.

The mail transmission method of this embodiment is a synchronous transmission of digital currency / e-money and e-mail between the same platforms or platforms (that is, synchronous transmission of information and value between the same platforms or platforms) by adding a remittance identifier. ) Can be realized. In addition, the sender / recipient of digital currency / electronic money can obtain identity verification via the e-mail system to obtain higher security, reliability and legal protection. The financial function of the e-mail system can be improved. For example, invoices can be sent and received, automatic deductions, automatic payments, ID authentication, address authentication, and the like can be performed by e-mail. This can significantly improve reliability and efficiency in business communication and daily applications, as well as reduce related costs. By fusing the e-commerce protocol, the e-mail system of this embodiment realizes some of the above-mentioned financial functions by e-commerce, and exchangeability between digital currency and e-money in a legal framework. Can be improved.

(Example 5)
Based on Example 1, Example 2, and Example 3, the present embodiment provides a method of receiving mail of an e-mail system that integrates a currency protocol. The e-mail system includes a remittance plug-in, a mail client, a remittance mail management server, an e-mail management server, and a fund management server. Since the e-mail system is the same as that of the first embodiment, the description thereof will be omitted. The mail receiving method realizes synchronous reception of information and values inside the system by using the e-mail system of the first embodiment. The mail receiving method has the following steps, and the flowchart thereof is shown in FIG.

S401: A process of receiving an e-mail by an e-mail management server and transmitting the e-mail information to the remittance mail management server.

S402: The remittance mail management server is a step of determining whether or not the received e-mail has a remittance identifier.
If NO, the email is processed as normal email. The remittance identifier includes currency recipient information, possible transaction numbers, amounts, and currency types. The currency type is digital currency and / or electronic money.
The remittance identifier is located in the header portion of the email or in the auxiliary email. The remittance identifier is any one or a combination of payment headers, remittance fields, remittance windows, views, visualization identifier elements.
Recipient information is at least
Recipient's digital currency address and / or corresponding name,
Accounts and service providers associated with the recipient's digital currency or e-commerce, and / or the corresponding name in common,
Includes any one of.

S403: If YES, the received e-mail is regarded as a remittance mail, and the information related to the remittance mail is transmitted to the fund management server. The fund management server inquires about the remittance status and feeds back the inquiry result to the remittance mail management server.

S404: The remittance mail management server sends the remittance mail and related information to the recipient's mail client based on the feedback inquiry result.

The above content performs synchronous reception of information and value on the same platform. It should be noted that the e-mail system further has an external network interface in order to realize synchronous reception of information and value between platforms. The external network interface includes an interactive server for e-mail, an interactive server for digital currency, and an interactive server for third-party digital currency / electronic money. Based on the mail receiving process, when the received mail is an external mail, the present embodiment further includes a step of receiving a remittance mail between the systems. Specifically, it has the following steps.

S5011: The e-mail management server obtains the e-mail transmitted externally via the interactive e-mail server, and sends the e-mail information of the e-mail to the remittance mail management server.

S502: The remittance mail management server determines whether or not the received mail information has a remittance identifier. If NO, the email is processed as normal email.

S503: If YES, the received e-mail is regarded as a remittance mail, and the information related to the remittance mail is transmitted to the fund management server.

S504: The fund management server inquires about the remittance status via the sender's fund management server, or via the digital currency interactive server and / or the third-party digital currency / electronic money interactive server, and remits the inquiry result. Give feedback to the mail management server.

S505: The remittance mail management server sends the remittance mail and related information to the recipient's mail client based on the feedback inquiry result.

The present invention is not limited to the above contents. Any changes or improvements made by those skilled in the art based on the present invention are included in the present invention.

1 Mail client 2 Remittance mail management server 3 E-mail management server 4 Fund management server 5 Database server 6 Authentication server 7 E-mail interactive server 8 Third-party digital currency / electronic money interactive server 9 Digital currency interactive server S101, S102 , S103, S104, S201, S202, S203, S401, S402, S403, S404

Claims (26)

It has a remittance plug-in, a mail client, a remittance mail management server, an email management server, and a money management server.
The mail client is loaded with the remittance plug-in and provides the user with an e-mail interface having a remittance identifier, the remittance identifier includes currency recipient information, an amount, and a currency type, and the currency type is a digital currency. And / or electronic money
The remittance mail management server communicates with the mail client, the e-mail management server, and the fund management server, respectively.
The remittance mail management server, the e-mail management server, and the fund management server operate in cooperation with each other, and after the remittance mail management server receives the mail message transmitted from the mail client, the mail message sets the remittance identifier. Judge whether you have it or not,
If YES, the remittance mail management server schedules the e-mail management server to send the mail message, and schedules the money management server to execute the remittance operation based on the remittance identifier.
If NO, the remittance mail management server is characterized in that only the e-mail management server is scheduled to send the mail message.
An email system that fuses currency protocols. The remittance mail management server schedules the e-mail management server to send the e-mail message before scheduling the money management server, and receives a mail message transmission success command fed back from the e-mail management server. Then, the fund management server is scheduled.
The e-mail system according to claim 1. Has more database servers,
The database server is used to store fund information and possible account information of senders and recipients, and communicates with the remittance mail management server and the fund management server, respectively.
The fund management server sends a remittance request to the database server according to a scheduling instruction of the remittance mail management server.
The database server is characterized in that the sender and the recipient update the financial information regarding the remittance in accordance with the remittance request and realize the internal remittance.
The e-mail system according to claim 1. Has more authentication servers,
The authentication server communicates with the database server and the remittance mail management server to authenticate the user's ID, and then performs ID authentication.
The remittance mail management server is characterized in that it operates in cooperation with the e-mail management server and the fund management server after obtaining a user authentication status from the authentication server and confirming its effectiveness.
The e-mail system according to claim 3. It also has internal and external network interfaces,
The internal and external network interfaces include an email interactive server, a digital currency interactive server, and a third-party digital currency / e-money interactive server.
The e-mail interactive server communicates with the e-mail management server, converts internal invoices from the e-mail management server and external e-mail messages from the network based on related protocols, and executes information transmission / reception operations. ,
The digital currency interactive server and the third-party digital currency / electronic money interactive server communicate with the money management server, respectively, and convert internal billing from the money management server and external billing from the network based on the related protocol. And, characterized by performing inquiries and remittance operations,
The e-mail system according to claim 1. The e-mail interactive server is a server that executes a server of an e-mail service program.
The digital currency interactive server is a server that executes a digital currency service program.
The third-party digital currency / electronic money interactive server is characterized by being a server that supports a local or third-party interface.
The e-mail system according to claim 5. The third-party digital currency / electronic money interactive server converts the internal billing from the money management server into an external billing based on the related protocol, executes the remittance operation, and then transfers the remittance result to the money management server. Give feedback and
The remittance result includes the remittance transaction number.
The fund management server feeds back the remittance transaction number to the remittance mail management server.
The remittance mail management server schedules the e-mail management server to send auxiliary mails to recipients and senders, and displays auxiliary mails to senders via the mail client.
The auxiliary mail includes the remittance transaction number.
The e-mail system according to claim 5. When the remittance identifier is an internal remittance, or when the interactive server of the digital currency converts an internal bill from the money management server into an external bill based on the relevant protocol and performs a remittance operation.
The email message is characterized by further including a remittance transaction number.
The e-mail system according to claim 5. The remittance identifier is characterized by being located at any position on the browsing page of the email interface.
The e-mail system according to claims 1-8. The remittance identifier is located in the mail header of the email interface.
The e-mail system according to claim 9. The remittance identifier is characterized by being any one or a combination of a remittance field, a remittance window, a view, and a visualization identifier element.
The e-mail system according to claim 9. The recipient information is at least
Recipient's digital currency address,
The name corresponding to the recipient's digital currency address,
Accounts and service providers associated with the recipient's digital currency or e-commerce,
Names commonly associated with accounts and service providers associated with the recipient's digital currency or e-commerce,
Characterized by containing any one of
The e-mail system according to claim 9. A method for transmitting an e-mail of an e-mail system that fuses the currency protocol according to any one of claims 1 to 12.
The e-mail system has a remittance plug-in, a mail client, a remittance mail management server, an e-mail management server, and a fund management server.
The method of sending an email is
The process of determining whether or not the remittance plug-in is triggered, and
If NO, the mail client generates a normal mail and sends it to the remittance mail management server, and the remittance mail management server schedules the e-mail management server to send the normal mail.
If YES, the mail client executes the remittance plug-in and provides the user with an e-mail interface having a remittance identifier, the remittance identifier including currency recipient information, amount, and currency type, said currency type. Is a digital currency and / or electronic money
The process of obtaining the recipient information, amount, and currency type from the remittance identifier, generating a remittance email, and sending it to the remittance email management server.
The remittance mail management server, the e-mail management server, and the money management server operate in cooperation with each other to schedule the e-mail management server, send the mail message of the remittance mail, and schedule the money management server. It is characterized by having a step of executing a remittance operation of the remittance mail based on the remittance identifier.
How to send an email. It also has a process to automatically reply to emails,
If the auto-reply email contains identifiable remittance request information, the process of auto-replying the email further includes the process of remittance by reply email.
If the auto-reply email contains identifiable remittance request information, it will indicate to the user whether or not to remit according to the remittance request information.
If YES, a reply email is generated, the email interface of the reply email automatically reads the remittance identifier, and the recipient information, amount, and currency type of the remittance request information is automatically entered in the remittance identifier. Then, generate a remittance mail that can be automatically replied and send it to the remittance mail management server.
The remittance mail management server schedules the e-mail management server to send an email message of the automatic reply remittance mail, and schedules the money management server to send the automatic reply remittance mail based on the remittance identifier. Characterized by performing a remittance operation,
The mail transmission method according to claim 13. The e-mail system further has an external network interface and
The external network interface includes an interactive server for e-mail, an interactive server for digital currency, and an interactive server for third-party digital currency / electronic money.
The mail sending method further includes a step of sending a remittance mail between systems.
The e-mail interactive server converts the internal billing from the e-mail management server into an external e-mail message based on the related protocol and executes information transmission.
The digital currency interactive server and / or a third-party digital currency / electronic money interactive server is characterized in that an internal bill from the money management server is converted into an external bill based on a related protocol and a remittance operation is executed. ,
The method for sending an email according to claim 13 or 14. The remittance mail management server schedules the e-mail management server to send the e-mail message before scheduling the money management server, and receives a mail message transmission success command fed back from the e-mail management server. Then, the fund management server is scheduled.
The mail transmission method according to any one of claims 15. The third-party digital currency / electronic money interactive server converts the internal billing from the money management server into an external billing based on the related protocol, executes the remittance operation, and then sends an auxiliary mail to the recipient and the sender. Has an additional step of transmission,
The remittance result is fed back to the fund management server,
The remittance result includes the remittance transaction number.
The fund management server feeds back the remittance transaction number to the remittance mail management server.
The remittance mail management server schedules the e-mail management server to send auxiliary mails to recipients and senders, and displays auxiliary mails to senders via the mail client.
The auxiliary mail includes the remittance transaction number.
The mail transmission method according to claim 15. When the remittance identifier is an internal remittance, or when the interactive server of the digital currency converts an internal bill from the money management server into an external bill based on the relevant protocol and performs a remittance operation.
The process of sending a remittance email further includes a process of reading a remittance transaction number.
The email message of the remittance email is characterized by further including a remittance transaction number.
The mail transmission method according to claim 15. The remittance identifier is located in the mail header of the email interface.
The mail transmission method according to claim 15. The remittance identifier is characterized by being any one or a combination of a remittance field, a remittance window, a view, and a visualization identifier element.
The mail transmission method according to claim 15. The recipient information is at least
Recipient's digital currency address,
The name corresponding to the recipient's digital currency address,
Accounts and service providers associated with the recipient's digital currency or e-commerce,
Names commonly associated with accounts and service providers associated with the recipient's digital currency or e-commerce,
Characterized by containing any one of
The mail transmission method according to claim 15. A method for receiving an e-mail of an e-mail system that integrates the currency protocol according to any one of claims 1 to 12.
The e-mail system has a remittance plug-in, a mail client, a remittance mail management server, an e-mail management server, and a fund management server.
The remittance receiving method is
The process of receiving e-mail by the e-mail management server and transmitting the e-mail information to the remittance mail management server,
The remittance mail management server has a process of determining whether or not the received e-mail has a remittance identifier, and
If NO, the email is treated as a regular email, the remittance identifier includes currency recipient information, possible transaction numbers, amounts, and currency types, and the currency types are digital currency and / or electronic money. can be,
If YES, the received e-mail is regarded as a remittance mail, and the information related to the remittance mail is transmitted to the fund management server.
The process in which the fund management server inquires about the remittance status and feeds back the inquiry result to the remittance mail management server.
The remittance mail management server is characterized by having a step of sending a remittance mail and related information to a recipient's mail client based on the feedback inquiry result.
How to receive email. The e-mail system further has an external network interface and
The external network interface includes an interactive server for e-mail, an interactive server for digital currency, and an interactive server for third-party digital currency / electronic money.
The mail receiving method further includes a step of receiving mail between systems.
The e-mail management server obtains an e-mail transmitted externally via the interactive server of the e-mail, and sends the e-mail information of the e-mail to the remittance mail management server.
The remittance mail management server determines whether or not the received mail information has a remittance identifier, and determines whether or not the received mail information has a remittance identifier.
If NO, the email is processed as normal email and
If YES, the received e-mail is regarded as a remittance mail, and the information related to the remittance mail is transmitted to the fund management server.
The money management server inquires about the remittance status via the digital currency interactive server and / or the third-party digital currency / electronic money interactive server, and feeds back the inquiry result to the remittance mail management server.
The remittance mail management server is characterized in that the remittance mail and related information are sent to the recipient's mail client based on the feedback inquiry result.
The method for receiving an email according to claim 22. The remittance identifier is located in the mail header of the email interface.
The method for receiving an email according to claim 22. The remittance identifier is characterized by being any one or a combination of a remittance field, a remittance window, a view, and a visualization identifier element.
The method for receiving an email according to claim 22. The recipient information is at least
Recipient's digital currency address and / or corresponding name,
Accounts and service providers associated with the recipient's digital currency or e-commerce, and / or common corresponding names,
Characterized by containing any one of
The method for receiving an email according to claim 22.

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